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wrote about her friend when he was just cardinal joseph ratzinger. >> john paul ii was much more vigorous. when he wanted something, he was really now! joseph ratzinger is not now, but is trying to convince -- maybe try to convince to make these people reasoning in a certain way, but he didn't succeed. >> reporter: even the most faithful say his legacy will be m mixed with great accolades for his teachings and writings but criticism for some of his leadership. >> success is hard to say. it's not that there's been highs and lows but issues to deal with that have been very serious. >> reporter: the abuse of children by priests has driven people away from the church. >> i think there are all kinds of rules and regulations that have been set up to protect children more so that this does not happen again. >> reporter: the growing consensus is that the next pope must be a strong manager, able to take on the challenges and reign in a dysfunction al. able to lead this institution and charisma never hurt. >> i hope he will be a man with a vision and can move forward. say to the crowd i lo
, after eight years, formal cardinal joseph rat ratzinger retires as pop. as we continue to see what the conclave will do as we search for his successor as the entire world watches what is happening with him. >>> got some breaking news out of the new york fed. a hard right turn here to steve liesman. >> why does this always happen to me, carl? >> hard to follow the pope, my man. >> exactly. let me do my best. the new york fed reporting that total consumer indebtedness rising a scant 3% to 11.3 trillion. housing debt was flat. it was a small gain but the first gain we've seen since the first quarter of 2011, that was thought to be a bit of a statistical anomaly. so maybe this is the first real gain. let me show you what rose. auto loans up 15 billion. credit cards up 5 billion. the perennial student loans up 10 billion and they have been rising quite a bit. delinquencies are quite high. all delinquencies declined except for student loans and they were up almost 12% and probably because of a whole bunch of different reasons, carl, they could be twice as high as that. carl, back to you.
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